Tips on How to Save on Gifts

Tips on How to Save on Gifts

Since the start of our series on Financial Management, we already talked about various areas on how to save and cut-down our expenses on the following – education, food, housing, utilities and clothing. Now, let’s discuss how to save on gifts.   Tip no. 1 – Buy gifts during sale and off-season. When buying gifts, buy during sale and off-season, […]

Love Multiplication

Love Multiplication

By Yay Padua-Olmedo I could have made it big, but my numbers sense hardly made it to “Pass,” so my destined-for-greatness dream fizzled. You see, when I was growing up and 1-2-3 marched to thousands, I developed a hate affair with numbers. Grade 3 Math felt like helplessly surrendering to my executioner in a torture chamber. When “Ms Z” glared […]

Tips on How to Save on Clothing

Tips on How to Save on Clothing

Kapag kailangan n’yo ng damit, huwag kayong bumili. Kapag hindi n’yo kailangan, bumili kayo! Malinaw naman di ba?  O naguguluhan kayo? Parang ang labo ano?  ‘Pag kailangan, huwag. Kapag di kailangan, bumili! Huwag bibili ng damit kung kailan kailangan. Halimbawa, during summer, mura ang jacket. Kung tingin n’yo ay kakailanganin n’yo ito pagdating ng tag-ulan, pwede na itong bilhin dahil naka-sale […]

How to Save on Utilities (Part 4)

How to Save on Utilities (Part 4)

This is the last part of the series on how to save on utilities. Tip no. 5 – Get only the appliances or equipment that you need and use them wisely. Let’s talk about TV. Kailangan n’yo ba talaga ng TV?  “Oo naman! Aanhin naman namin  ang cable kung wala naman kaming TV!” Ang talino…. nagpakabit ng cable, wala pa […]

How to Save on Utilities (Part 1)

How to Save on Utilities (Part 1)

Kapag nakatanggap ka ng billing statements, ano ang pinakaimportanteng impormasyon na dapat ninyong tingnan? Amount? Consumptions? Due date? Hindi! Ang pinakaimportanteng bagay na dapat n’yong tingnan ay pangalan at address, baka hindi naman sa inyo ang bill. Baka naman iyan ay sa kapitbahay ninyo, lalung-lalo na kung kayo ay nakatira sa hile-hilerang apartment or townhouses. Madalas, nakapangalan iyan sa may-ari […]

Tips on Food – Part 2

Tips on Food – Part 2

By Vic and Avelynn Garcia Last week, we discussed three tips on how to save on food. Before we proceed, let me enumerate the first three tips: Make a menu for the week and support it with a grocery list Stick to your grocery list When buying or going to the grocery, refrain from using credit cards Now, let’s go […]

Part 2: Building Blocks of a Living Legacy

Part 2: Building Blocks of a Living Legacy

APPROVED AND ENTRUSTED: Two confidences that bring about a deep sense of GOD’S APPROVAL, and a deep sense of STEWARDSHIP. What an honor to know that God looks upon us with favor, deeming us worthy to be entrusted with the gospel that sets people free. Possessed with such a sense of mission, the Apostle Paul continued to exhort the believers […]

The Joy of the Master

The Joy of the Master

                I love reading the parables; they’re just my favorites. Simple and yet profound. I love stories, and I like how Jesus tells them. I think Jesus is the greatest storyteller, and I certainly know you agree. Do you remember the Parable of the Talents? It’s found in Matthew 25:14-30. Remember what the […]

Go To Church

Go To Church

                A Christian wrote a letter to the editor of a newspaper and complained for all to read, that it did not make sense to him to go to church every Sunday. “I’ve gone for 30 years now,” he wrote, “and in that time I have heard something like 3,000 sermons. But for […]

Is Heaven part of your debt solution?

Is Heaven part of your debt solution?

                I believe in the wind, even though I cannot see it. I know without it, I will die. No matter how much I inhale, how hard I inhale, how often I inhale… if there is no wind I will naturally die. I was designed this way; it is not a flaw, but […]

The Contented Fisherman

The Contented Fisherman

                The book of Ecclesiastes never fails to amaze me. Written by the richest person ever to walk the face of the earth, King David’s son, the wise King Solomon. And with all his majestic trappings of abundance, he exclaims with certainty, with finality; “The foolishness of thinking that wealth brings happiness!” – […]

A Story of Two Seas

A Story of Two Seas

                I visited my favorite bookstore last Sunday after church. It is a daily routine I cherish. It is a time for me to feed my mind. Safely hidden in one of the bookshelf corner was this little green book by a certain Frank Mihalic, Stories. This book engrossed me for an hour. […]

How We Should Pray

How We Should Pray

                Don’t pray with the sole motive to get, get, GET. While there is no doubt that your prayers would be heard, you will not get the response you are seeking. Our God seeks a relationship with you. It is His PRIMARY goal. It is the kind of relationship that begins with another […]